ACH Rules

ACH (Automated Clearing House) rules are standards that govern electronic bank transfers in the U.S., ensuring secure, efficient, and reliable payment processing. They set guidelines for businesses and financial institutions on how to transfer funds—like direct deposits or bill payments—by defining procedures for authorization, timing, and error handling. These rules help prevent fraud, ensure funds are transferred accurately on time, and provide clear processes for resolving issues. Overall, ACH rules create a trusted framework that keeps electronic payments safe and consistent for both payers and payees.